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Editor's Note: In part two of our blog series discussing smartwatches, we dig deeper into the digital banking piece specifically. Financial institutions have a great opportunity to take the smartwatch from novelty to necessity but it's going to take a different perspective from developers, just like it did for the smartphone.

Editor's Note: In part one of a two part blog series, we discuss the history and current state of wearable technology, especially as it relates to fitness trackers. The fitness tracker industry is struggling and smartwatches seem to be headed down a similar path. What do smartwatches need to change course?